Project Budget Calculator
The Capital Infusion Project Budget calculator helps you gauge the payments, interest rate, and APR with fees you’ll pay over time. Play around to find a repayment scenario that is ideal for your business.
How to Use the Project Budget Calculator
How to Use the Project Budget Calculator
The Capital Infusion Project Budget calculator helps you gauge the payments, interest rate, and APR with fees you’ll pay over time. Play around to find a repayment scenario that is ideal for your business.
Step 1: Enter your information
This is the information you’ll need to enter to gain a clear picture of your SBA loan terms.
Project Duration: Project duration is the total amount of calendar time required to complete a project, from its official start date to its completion date.
Team/Labor Cost (Monthly): Team or labor costs refer to the total expenses a business incurs to maintain its workforce, encompassing not just wages but also benefits, payroll taxes, bonuses, and other related costs for direct and indirect employees.
Materials & Equipment: This refers to the total amount of raw materials and equipment required for the project's completion.
Other Expenses: These costs are not directly tied to a company's main operations or revenue-generating activities, serving as a catch-all for unusual, infrequent, or non-deductible costs that don't fit into specific operating expense categories.
Contingency Buffer: A contingency buffer is a reserve of time, money, or other resources allocated to a project to address unforeseen risks, uncertainties, and potential issues that could arise during execution. It acts as a protective cushion, a "safety net," allowing the project to adapt to unexpected challenges without derailing its budget, scope, or schedule.
Expected Revenue Generated: Expected Revenue Generated (ERG) is a forward-looking financial metric that quantifies the potential income a company anticipates from a specific opportunity, sales process, or overall operations over a defined period.
Step 2: Calculate your results
Once you press “calculate loan,” the tool will generate the following results (You can modify the inputs to test different loan scenarios).
Total Project Cost: Total Project Cost is the sum of all expenses, fees, and resources required to complete a project, encompassing direct costs (materials, labor, equipment), indirect costs (administration, financing), organizational costs, and contingency allowances for unexpected factors.
Budget Status: Budget status refers to the comparison between a planned budget and actual expenditures for a specific period, indicating how well a project, department, or organization is performing against its financial goals.
Return on Investment: Return on Investment (ROI) is a financial ratio that measures the profitability of an investment, calculated by dividing the net profit or gain from an investment by its cost, and then expressing the result as a percentage.
Top 3 Business Loans
Business loans come in a variety of programs; there is a world of possibilities for your business to choose from. Selecting the right one for your business can be challenging, but having a basic understanding of the available loans and their functions can help you make an informed choice for your business. Below are the top-performing business loans available to small businesses:
Working Capital: A working capital loan is a type of financing designed to cover the short-term operational needs of a business. Unlike long-term financing, working capital loans are typically repaid within a year and are used to manage fluctuations in cash flow, fund immediate expenses, or capitalize on sudden business opportunities. These loans often come with flexible repayment terms and may feature variable interest rates, which can influence the total repayment amount.
SBA Loan: An SBA loan offers a federally backed option to small businesses in the United States. These loans offer larger amounts of capital, ranging $50,000 to $5,000,000 from and longer terms up to 25 years. These loans take a longer time to approve versus working capital, but they are a good option for small businesses looking for a larger amount of capital not typically available in a shorter-term loan.
Equipment Financing: Equipment financing is a tailored financial solution that allows businesses to purchase essential new or used equipment without the burden of heavy upfront costs. This specialized form of business lending is crucial for companies looking to enhance their operational capacity or update their technology and machinery.
Here's what other business owners are saying...
1. Look at how much money your business makes, what it spends, and what costs are coming up soon. Knowing these things helps you pick the right type of loan and makes it easier to get approved.
2. Choose between working capital, equipment financing, or a true revolving credit line. Capital Infusion offers loans directly and through partner companies, with easy paperwork, quick approvals, and competitive rates.
3. Complete a simple 1-page application and submit four months of business bank statements. This helps you get fast approvals, usually within 24-48 hours, as well as customized help for your business.
What to Consider When Choosing the Right Business Funding Partner
Before you take out a business loan, consider your business needs and the total cost of borrowing.
Frequently asked questions
Check If You Pre-Qualify For a Loan Today!
Capital Infusion offers direct loans and marketplace funding options designed to fit your specific business needs. Whether you're investing in new equipment, funding daily operations, or planning for growth, our streamlined platform and dedicated support team give you quick, easy access to competitive financing- all in one convenient place.
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